Best 10 Year Annuity Rate

The best 10-year annuity rate delivers the most dramatic adjacent-term rate recovery in today’s MYGA yield curve. The best 9-year MYGA rate is 5.50%. The best 10-year rate is 6.25% — a full 0.75 percentage point jump in exchange for 12 additional months of commitment. This +0.75% step from 9-year to 10-year is the largest single adjacent-term rate increase across the entire 1-to-10-year MYGA spectrum, reversing the dramatic -0.50% drop from 8-year to 9-year and establishing the 10-year as the final major recovery point in a yield curve shaped by a series of peaks, valleys, and recoveries. For buyers who have evaluated the 9-year and found its 5.50% rate insufficient given the commitment length, the 10-year’s 6.25% represents a genuine rate improvement that rewards the additional year — rare in a yield curve where most additional commitment years either penalize or offer minimal improvement. The 10-year’s 6.25% rate matches the best 7-year rate exactly, meaning buyers are choosing between identical declared rates with either 36 fewer months (7-year) or 36 more months (10-year) of commitment. The rate does not exceed the 5-year MYGA peak of 6.35% — the 5-year remains the current rate peak of the entire MYGA spectrum — but within the longer-commitment tier (8-to-10 years), the 10-year at 6.25% represents the best rate available. For the complete context of how today’s MYGA rate environment has been shaped across all terms, our highest guaranteed annuity rates resource and current fixed annuity rates page provide the full spectrum analysis.

The 10-year MYGA table in today’s market has two characteristics that distinguish it from every other term in this session. First, all five carriers in today’s table show “None” for penalty-free withdrawal — the only term in the session with universal zero access across all checked carriers. Unlike the 5-year (where one carrier offered 10% from year two), the 6-year (where Oxford Life offered 10% from year two and interest-only in year one), the 7-year, 8-year, or 9-year tiers — where at least one carrier in the checked list provided some access — the 10-year’s top 5 offer zero penalty-free access during the 120-month term universally. A-rated 10-year MYGAs with penalty-free access provisions do exist and are available through us at modestly lower declared rates, but none of the 5 carriers selected for today’s table provide built-in access. Second, the 10-year table is composed entirely of B-range carriers — B (Sentinel Security, Atlantic Coast), B+ (Wichita National), and B++ (Farmers Life, Revol One) — with no A-rated carriers in the top 5 checked carriers. The 8-year page had the richest A-rated field in the session (three A- carriers); the 9-year had three A-rated carriers leading the rate table; the 10-year returns to a B-range carrier field at the leading rates. This reflects the 10-year bond market dynamics where smaller, higher-yield-seeking B-range carriers compete most aggressively for long-term premium at this specific duration. For the comprehensive framework on annuity value and whether the 10-year commitment structure fits your planning, our resource on whether annuities are worth it and the annuity rescue plan provide the decision context for buyers repositioning existing contracts or making initial MYGA selections.

The 10-year MYGA’s 120-month commitment creates planning questions that shorter terms do not. A buyer who commits to a 10-year MYGA today is locking guaranteed accumulation through 2036 — a planning horizon that spans approximately half the length of a typical 20-to-30-year retirement. The buyers who make the most strategic use of a 10-year MYGA are those who can answer affirmatively to two questions: Do I genuinely not need access to this capital for 10 full years? And does 2036 represent a meaningful planning anchor in my retirement timeline — a date when a specific financial decision, income strategy, or legacy goal comes into focus? For buyers who have a genuine 10-year horizon, the rate-lock value of 6.25% through 2036 may be substantial — particularly if the rate environment softens over the next several years, which would leave buyers without a 10-year lock scrambling to replace yield at lower declared rates. Understanding the market value adjustment mechanism at the 10-year term is equally important: over 120 months, interest rates can move substantially, and the MVA’s impact on any mid-term excess withdrawal can be meaningful in either direction. Our resource on annuity surrender charges explained covers the full interaction between 10-year surrender schedules and MVA provisions before any commitment decision.

What Is a 10-Year Fixed Annuity — And What a Full Decade of Commitment Provides

A 10-year fixed annuity (MYGA) declares a guaranteed interest rate at issuance and applies it to the full accumulation value for exactly 120 months. The declared rate is contractually locked — the carrier cannot reduce it during the term regardless of market conditions, Federal Reserve policy changes, interest rate movements, or any other external factor. Principal is fully protected from any market loss throughout the 120-month period. Interest compounds tax-deferred without generating an annual 1099 for non-qualified money. At the end of month 120, a maturity window opens — typically 30 days — during which the buyer can withdraw the full accumulated value penalty-free, renew at then-current rates, or convert to a different structure. A $250,000 deposit at Sentinel Security’s 6.25% for 10 years accumulates to approximately $457,500 at maturity — $207,500 in guaranteed, tax-deferred growth over 120 months with zero market exposure. The 10-year commitment is the maximum-duration standard MYGA in the marketplace — the terminal point of the fixed annuity guaranteed accumulation spectrum and the longest commitment a conservative saver can make within a structured, contractual guarantee framework.

💰 Best 10-Year Annuity Rates (as of June 2026)

The table below shows today’s top five 10-year MYGA options. Sentinel Security’s Personal Choice leads at 6.25%. Farmers Life and Wichita National tie for second at 6.05%. Revol One’s DirectGrowth MYGA follows at 6.00%, and Atlantic Coast Life’s Safe Harbor closes the table at 5.91%. Every carrier in today’s 10-year table shows “None” for penalty-free withdrawal — zero access during the 120-month term. A-rated 10-year alternatives with penalty-free provisions are available at modestly lower declared rates. Confirm live quotes for your specific state, age, and deposit amount.

Rates subject to change and may vary by state, age, and deposit size. All five carriers in today’s 10-year table have zero penalty-free withdrawal — any mid-term access triggers surrender charges and potentially a Market Value Adjustment. A-rated 10-year MYGA alternatives with penalty-free access provisions are available at modestly lower declared rates. Guarantees backed by the carrier’s claims-paying ability and state guaranty associations within applicable limits.

The Complete MYGA Yield Curve — From 1-Year to 10-Year in June 2026

The 10-year page is the natural endpoint for a complete review of today’s MYGA rate environment across all standard terms. The table below presents the full rate spectrum — from the 1-year minimum to the 10-year maximum — showing how declared rates have moved at each term length, where the peaks and valleys fall, and what pattern of commitment-vs.-yield trade-offs buyers face today.

The yield curve table reveals the defining pattern of today’s MYGA market: the 5-year peak (6.35%) is the highest rate available across all terms. The 10-year at 6.25% is a strong recovery from the 9-year deep valley (5.50%) but does not surpass the 5-year peak. The yield curve has no traditional “longer = more” shape — it has a peak at 5 years and two valleys (6-year and 8-year, 9-year being deepest) separated by partial recoveries at 7-year and 10-year. Buyers who want the absolute highest guaranteed rate should always evaluate the 5-year first; buyers who specifically need longer-term commitments should understand that the 10-year (6.25%) is the best available rate among all terms from 6-to-10 years.

The Rate Recovery — 9-Year to 10-Year: The Largest Adjacent-Term Jump in the Spectrum

The +0.75% rate increase from the 9-year (5.50%) to the 10-year (6.25%) is the largest single adjacent-term rate change — in either direction — across the entire 1-to-10-year MYGA spectrum. The next largest adjacent-term increase is the +1.10% step from 2-year (5.25%) to 3-year (6.00%) — but that large step reflects the transition from short-term to competitive yield territory, not a recovery from a valley. The 9-to-10-year step uniquely reverses the session’s most dramatic rate drop (the 8-to-9-year -0.50%) and then adds an additional 0.25%, establishing the 10-year as a genuine rate recovery point. For buyers who found the 9-year’s 5.50% rate unacceptable given the commitment length — and reasonably so — the 10-year’s 6.25% provides a rate level that is competitive within the longer-commitment tier. The structural driver of this recovery is the 10-year investment-grade bond market, where insurance carriers can access long-duration corporate bonds, agency securities, and structured credit at yields that support 6.25% declared rates — a yield level the 9-year bond market does not currently support with the same efficiency. For buyers who have been building a rate comparison across multiple terms, the 10-year’s recovery to 6.25% from the 9-year’s 5.50% is the most significant data point in the complete yield curve and should inform any long-commitment decision: skip the 9-year and evaluate the 10-year if a long commitment is genuinely necessary.

The 10-Year vs. the 7-Year — Same Rate, Three More Years

The 7-year MYGA currently offers the same best declared rate as the 10-year: 6.25%. Both Sentinel Security’s Personal Choice and the 7-year’s Sentinel Security Personal Choice lead at 6.25% across both term lengths. This rate equivalence means buyers who are comparing 7-year and 10-year commitments face a pure planning-horizon decision rather than a rate optimization decision: both terms offer identical annual guaranteed interest, but the 10-year requires 36 more months of surrender period and matures in 2036 vs. the 7-year’s 2033. For most buyers, the only rational argument for choosing the 10-year over the 7-year at today’s equal rates is the desire for 10 full years of guaranteed rate lock — protecting against potential rate declines through 2036 that would reduce the yield available at 7-year renewal in 2033. If a buyer is confident rates will remain at or above 6.25% in 2033 (or if they prefer the flexibility of a 7-year maturity date for income, legacy, or other planning decisions), the 7-year is the more efficient choice at identical declared rates. If a buyer specifically values rate certainty through 2036 — perhaps because they are concerned about a multi-year rate decline environment — the 10-year’s extended lock has value even at the same rate. This is the only justification for choosing 10 years over 7 years at today’s equal rates: rate-lock duration, not rate-level advantage.

Universal Zero Penalty-Free — The 120-Month Access Reality

The 10-year tier is the only MYGA term in today’s session where all five checked carriers universally show zero penalty-free withdrawal throughout the term. At every other term from 2-year through 9-year, at least one carrier provided some form of built-in penalty-free access — whether 5%, 10% annually, interest-only, or provisions tied to specific events. At 10 years, the top five carriers by rate all require full 120-month commitment with no mid-term access above zero. This zero-access reality is the most important pre-purchase awareness point for 10-year MYGA buyers: before committing to any of today’s five carriers, buyers must confirm with absolute certainty that they will not need any access to the principal during the full decade. Any withdrawal triggers surrender charges — which at the 10-year term typically start at 9%–10% in year one and decline gradually toward zero by year 10 — plus a potential Market Value Adjustment that can significantly reduce the value received on early exits if rates have risen since contract issuance. Understanding what a market value adjustment is and its potential magnitude at the 10-year term is essential before purchasing. A-rated 10-year MYGAs with 10% annual penalty-free withdrawal are available at modestly lower declared rates — buyers who need any annual access during the term should request these alternatives from us before committing to a zero-access product.

The 10-Year’s Entirely B-Range Carrier Field

Unlike the 8-year (three A- rated carriers) and 9-year (three A-rated carriers leading the rate table), today’s 10-year top-5 table is composed entirely of B-range carriers: Sentinel Security (B), Farmers Life (B++), Wichita National (B+), Revol One (B++), and Atlantic Coast Life (B). No A-rated carriers appear in today’s highest-rate 10-year selections. This reflects the 10-year bond market dynamic where smaller B-range carriers aggressively pursue longer-term premium at rate levels that larger A-rated carriers typically do not match. For buyers with premiums within state guaranty association limits (typically $250,000 per insurer per state), the guaranty association protection substantially mitigates the practical significance of the B-vs-A rating difference. For buyers with premiums above guaranty limits — particularly those above $250,000 — A-rated 10-year alternatives should be explicitly requested and evaluated alongside the B-range leaders, as the guaranty association cannot fully backstop excess amounts at any rating level. Our carrier profile resources — including those for Columbus Life and Pacific Guardian — illustrate the range of carrier strength profiles buyers encounter across the insurance marketplace, informing the due diligence process for any multi-year commitment, and particularly for 10-year commitments where the carrier relationship spans a full decade.

120-Month Tax Deferral — Ten Years Without Annual Taxation

Ten years of uninterrupted tax-deferred compounding creates the most substantial after-tax accumulation advantage of any MYGA term in the full spectrum. For non-qualified (after-tax) money, 120 months of credited interest accumulate without a single annual 1099 event. Every dollar of interest credited inside the 10-year MYGA stays fully invested in the contract and earns the declared rate on its full pre-tax value across all 10 years. For a buyer in the 24% federal tax bracket with $250,000 in Sentinel Security’s 10-year at 6.25%, year-one interest is approximately $15,625 — fully deferred, fully compounding. A comparable 10-year CD at 4.50% generates approximately $11,250 in year-one taxable interest — with approximately $2,700 paid annually in federal income tax — reducing the compounding base each year for the entire decade. The cumulative after-tax advantage from 10 full years of deferral on the MYGA vs. the annual-tax CD represents one of the most compelling net return arguments for the fixed annuity structure available in any conservative fixed-income comparison. Our resources on fixed annuities vs. CDs, tax-deferred annuity strategies, and non-qualified annuities provide the complete after-tax mechanics across different tax bracket scenarios for buyers evaluating the 10-year deferral advantage.

The 10-Year as the Anchor in a Long-Horizon Ladder

In a fixed annuity ladder, the 10-year MYGA functions as the ultimate long anchor — the commitment that creates the furthest maturity point in any standard ladder configuration while capturing the best rate available at the long end of the MYGA spectrum. A practical 5-7-10 ladder on $300,000 might allocate $100,000 each to a 5-year MYGA at 6.35%, a 7-year MYGA at 6.25%, and a 10-year MYGA at 6.25%. The 5-year matures in 2031, the 7-year in 2033, and the 10-year in 2036 — creating three decision points across a full decade. In this configuration, all three rungs earn above 6.00% annually, the 5-year captures the rate peak, and the 10-year provides the longest rate lock for the portion of assets that can be genuinely committed for a decade. The 10-year’s 6.25% rate is not the ladder’s highest yield (the 5-year at 6.35% holds that position) but it extends the guaranteed rate lock to the furthest maturity date — useful for buyers who want rate certainty through 2036 for at least a portion of their conservative allocation. For buyers evaluating this ladder architecture — including whether skipping the 9-year in favor of a direct jump from 8-year to 10-year optimizes the rate-per-commitment structure — the full ladder analysis is covered in our fixed annuity ladder strategy resource.

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